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Scammers could surface after Obama’s immigration speech

WASHINGTON — Local Latino activists are warning against potential scams after
President Obama’s announcement this week that millions of people in the United
States illegally will be eligible for work permits and deportation deferrals.

Even though the president announced the changes in a prime-time speech, the new
rules will not go into effect for months, and application processes have not yet
been worked out.

“It’s very early in the process; people should be very aware,” says George
Escobar of CASA de Maryland.

The government won’t accept the applications until April, “so we’re really
concerned about fraudulent actors going out in the community saying ‘we’ll do
your application today for $10,000, $5,000, for $2,000′, and trying to take
advantage of the excitement people have to exploit them,” Escobar says.

As CASA’s Director of Health and Human Services, Escobar says the group will be
working in D.C., Delaware, Maryland, Pennsylvania and Virginia to make sure
people impacted by the changes have access to all the information they
need.

“We’ll be working to educate people, creating large informational sessions,
screening people for eligibility criteria, checking their documents so that they
can create their application packages,” Escobar continues. “And ultimately,
facilitating large application preparedness clinics where we’ll provide
individualized assistance and help people through the entire process.”

Once details of the programs emerge, there are legitimate community
organizations that will help with applications and other questions —
accurately, and for free.

For now, he says people who qualify for the programs can begin collecting any
documents that may help their applications.

That includes things like tax returns, any documents that can show residence
requirements have been met, birth certificates for children, and getting
passports in order with their native country.

Several groups, including CASA, plan informational sessions soon. CASA expects
to hold events in Arlington, Prince William, Montgomery and Prince George’s
counties in the first week of December.

About 4 million of the estimated 11 million people in the United States
illegally will be eligible for the new programs when the Obama administration puts them into place next year.

The largest group of people to benefit from the changes will be
parents of children born in the United States, Escobar says.

Parents who can prove they’ve been in the country for at least five years
before the president’s announcement this week will be eligible for three-year
work permits and deferred deportation.

Several hundred thousand people are also expected to benefit from an extension
of the Deferred Action for Childhood Arrivals program, which extends deportation
protections to people who came to the country when they were 15 years old or
younger.

The expansion means it will now cover people who entered the U.S. by 2010,
rather than by 2007.

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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